@Richard-terry wrote:
The real scam is when u buy a voucher at the gastation u get charged tax there than taxed again on your plan
No, you are NOT double-taxed on any amounts paid by vouchers.
Amounts seen on PM's self-serve portal do not include taxes, whether it's payment due or available funds. Voucher amounts added to the account balance (available funds) have already had taxes charged at the point of sale, i.e. at the retailer where it was obtained. When the voucher is loaded onto the account, the taxes are not loaded as well, to keep everything displayed in the account on a pre-tax basis. Therefore, voucher amounts subtract from the pre-tax total of any payment due, and taxes are then charged on the lower pre-tax total when payment is taken from your credit card. I've loaded vouchers on my account before and this is the way it has worked every time.
For example, if your payment due is $120 and you add a top-up of $40 from a voucher, the payment due would drop to $80, pre-tax. You would have paid tax on the $40 voucher at the retailer already, so you would not be paying tax on that amount again. Therefore, in this example, assuming tax is 13%, the amount charged to the credit card at renewal will be: [$120-$40] x 1.13 = $90.40. In other words, it will be $80 + (tax on $80), not $80 + (tax on $120). That is assuming no rewards. If you had rewards, then those would further lower the pre-tax total of the payment due. In that way, every reward dollar is actually worth $1+tax, although, just as with any other amount, the tax portion will not appear in your PM account.
I hope that was sufficiently clear.
